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What's the average car insurance rate in Philadelphia?
The average car insurance rate in Philadelphia, Pennsylvania, is $2,647 per year. That's more expensive than the average across Pennsylvania ($1,475) and more expensive than the national average of $1,548. Policies are underwritten differently from one auto insurer to another, meaning that rates can vary widely depending on which company you choose. What's more, as your driving profile changes, so can what you pay for car insurance. For these reasons, it's highly encouraged that drivers shop for car insurance quotes at regular intervals to find the best car insurance coverage.
Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in Philadelphia.
CAR INSURANCE RATES IN PHILADELPHIA
|Philadelphia Average (annual)||Pennsylvania Average||United States Average|
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Philadelphia auto insurance premiums by company
One of the best ways to save on auto insurance is to compare rates from multiple insurance providers and to choose the insurer that best fits your coverage needs. In Philadelphia, GEICO provides the cheapest car insurance rates for the typical insurance customer.
The coverage options that you choose can also impact your rates. While all drivers must adhere to state minimums (usually bodily injury and property damage liability coverage), there are a number of other options available to policyholders. Comprehensive and collision coverage (usually called "full coverage" when paired together) are great options for protecting your vehicle. However, they can also drive up your rates and are also subject to a deductible. In general, the lower your deductible, the higher your monthly payment. Additional coverage options include roadside assistance and uninsured motorist coverage that can help in the event of an accident with an uninsured driver. While getting minimum coverage may be cheaper upfront, adding more coverage options can leave you much better protected.
Most auto insurance companies offer policyholders ways of saving on their rates. Those looking for cheaper car insurance can often find saving in the form of car insurance discounts for a clean driving record, student discounts, accident forgiveness, and for bundling your renters, homeowners or life insurance with your car insurance coverage. Make sure to check with a representative about discount eligibility when searching for auto insurance quotes.
We've listed the best cheap car insurance companies in Philadelphia below to help you find coverage so that you can get on the road. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.
PHILADELPHIA AUTO INSURANCE RATES BY COMPANY
|Insurer||Average Rate (annual)|
Philadelphia auto insurance premiums by age
Philadelphia drivers in their 50s pay relatively affordable car insurance rates just $2,356each year, on average. Rates for Philadelphia drivers in their 60s are also relatively affordable, at just $2,391 per year.
Teen drivers aged 16 to 19 pay the most for auto insurance coverage in Philadelphia. When Philadelphia drivers hit their 20s, their insurance rates drop substantially. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Philadelphia is $4,362. That's the biggest gap in premiums between any pair of age brackets.
PHILADELPHIA AUTO INSURANCE COSTS BY AGE
|Age group||Average Yearly Rate|
Philadelphia auto insurance rates by gender and marital status
In some cases, a driver's marital status and gender may affect their car insurance rates. Married drivers in Philadelphia pay $209 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Philadelphia, single drivers pay more than those who are widowed.
Gender is another factor that can impact auto insurance costs. In Philadelphia, female drivers pay more for auto insurance than do male drivers: $0 per year, to be precise.
PHILADELPHIA CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Gender/Marital Status||Average Yearly Rate|
Philadelphia auto insurance costs by incident history
If you want to keep your car insurance costs reasonable, keep your driving record clean. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Two of the most costly citations to receive are DUI and reckless driving. Philadelphia drivers found guilty of reckless driving face insurance rate increases of $1,214 per year, compared to the citywide average. A DUI violation may lead to a $1,037 increase, while a citation for speeding leads to a $282 rate hike.
AVERAGE PHILADELPHIA INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident||Average Annual Rate|
|At-fault Accident (damages less than $1,000)||$2,887|
|At-fault Accident (damages > $2,000)||$4,115|
|Speeding Ticket (16-20 mph over speed limit)||$2,929|
Philadelphia car insurance costs by credit score
One of the byproducts of a good credit score is lower car insurance costs. Drivers who keep their credit score up typically pay less for auto insurance than do drivers with less-than-stellar credit histories. In fact, Philadelphia drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 61% decrease in car insurance rates. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Philadelphia, improving your credit to "Fair" corresponds with a $2,066 decrease in annual car insurance rates.
PHILADELPHIA AUTO INSURANCE RATES BY CREDIT LEVEL
|Credit Score||Average Rate (annual)|
What drives up car insurance rates in Philadelphia?
Where you live in Philadelphia affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Philadelphia is no exception to the rule. From ZIP code 19113 to 19132, premiums rise by 50 percent—that’s $860.
Expensive Philadelphia ZIP codes: 19133, 19139, 19140, 19121, 19132
Cheap Philadelphia ZIP codes: 19113, 19128, 19118, 19127, 19154
Philadelphia Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Philadelphia, you can expect 118 rainy days with an annual rainfall of 41.5 inches. Philadelphia is also known to experience severe winter storms.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Be Prepared For
Driving in Philly
Major HighwaysI-95 U.S. 1 U.S. 13
Toll RoadsBenjamin Franklin Bridge Besty Ross Bridge Walt Whitman Bridge
Car Insurance Companies in Philadelphia
Find Local Philadelphia Agents
Wilson Insurance & Financial Planning
1732 W Cheltenham Ave, Philadelphia, PA 19126
699 W Germantown Pike Ste 100, Plymouth Meeting, PA 19462
Freedom Insurance Group, Inc.
3308 Grant Ave, Philadelphia, PA 19114
The average Philadelphian's annual cost of coverage
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.